| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $8K | $49K | 0.49% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $11K | $80K | 16.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 6465 GREENWOOD PLAZA BOULEVARD SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $453 | $3K | 0.56% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNUM INSURANCE COMPANY | $11K | $4K | $15K | 11.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $605 | $0 | $605 | 0.47% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $10.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $10.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $10.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,830 | $496K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,830 | $496K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,830 | $496K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,830 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,830 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.